Why Your Out-of-Pocket Costs Might Be Rising Even with ‘Low’ Monthly Contributions
Key Takeaways
Even if your monthly PSHB premium looks affordable, your total yearly healthcare cost…
The Relationship Between Medicare and PSHB Is More Complicated Than You’re Told
Key Takeaways
Being enrolled in both Medicare and PSHB in 2025 means your coverage is layered, not duplicated. The rules about how they work together depend heavily on your retirement status, Medicare enrollment…
You’re Still Paying Coinsurance After Medicare and PSHB—Here’s Why That Doesn’t Always Add Up
Key Takeaways
Even with both Medicare and a PSHB plan, you may still face coinsuranc…
The Move from FEHB to PSHB Seems Simple—Until You Look at What’s Actually Changing
Key Takeaways
The Postal Service Health Benefits (PSHB) Program has officially replaced FEHB for
Medicare Part D Now Caps Drug Costs—But You Still Need to Watch What’s Actually Covered
Key Takeaways
Medicare Part D now includes a $2,000 annual cap on out-of-pocket prescription drug costs…
Combining PSHB and Medicare Looks Great on Paper—But the Details Are Where It Gets Tricky
Key Takeaways
Pairing Medicare with your PSHB plan can lead to better coverage and lower out-of-pocket costs, but only if you follow the proper rules and timelines.Missteps in enrollment or misun…
Why Some Postal Retirees Are Finding Out Too Late That PSHB Isn’t Guaranteed
Key Takeaways
Being a retired Postal Service employee does not automatically guarantee enrollment in the PSHB Program. Specific eligibility requirements must be met.Failing to un…
All Medigap Plans Look the Same on Paper—Until You Compare What They Actually Pay
Key Takeaways
Medigap plans are standardized by letter (A through N), but what they actually cover in practice can differ due to timing, enrollment conditions, and provider billing.Postal retiree…
Don’t Be Fooled by a Low Premium—That Deductible Could Make You Pay a Lot More Later
Key Takeaways
A low premium may look attractive upfront, but high deductibles can significantly delay when your coverage actually begins to pay for services under a PSHB plan.After age 65, when M…
Choosing a Medigap Plan? Here’s Where the Costs Sneak In—And Stick Around
Key Takeaways
Medigap plans can help you manage healthcare costs, but hidden and rising expense…
